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Both are good plans. You can actually visit /international-student-medical-insurance/, enter your crieria and you will see the prices for both the products. You can check the boxes next to each product and you can compare them side by side to decide which product would be most suitable for you. And if you have any questions, please feel free to contact us at any time.

These are little unusual questions and I had to get clarification from IMG. Following is their reply. 1. All those eligible tests would be covered under hospital room & board including miscellaneous. 2. This is a hypothetical situation that is difficult to answer. The determination is made based on the medical information and records we receive. My instinct is: for a disease with a minimum incubation of 15 days, if the insured is found to be infected as of day 10, that would probably be deemed pre-existing lacking any evidence to the contrary. 3. It would depend on whether or not the above disease was covered. Complications of a non-covered disease are also not covered. Thankyou for the information, I appreciate the prompt response. Some how, the answer to the second question bothers me, because, how would any one even know about it, unless the doctors find out that there is a virus which is making all the trouble and I believe incubation periods of various viruses is not common knowledge. I hope the answer could be wrong. Anyways, thanks again. Pratik Pai The precise answer is "Any condition that manifested before the effective date would not be covered". Everything else is derived from that. For some condition to be considered pre-existing, it is not necessary that the person knows about it, or has symptoms. If incubation period is not common knowledge, then it would be determined based on doctor's opinion whether the condition manifested before the effective date or afterwords. And claim would be adjusted accordingly. From what you suggest : "Any condition that manifested before the effective date would not be covered" Manifested: (dictionary says) is "Clearly apparent to the sight or understanding; obvious" So if the disease is not clearly apparent to the sight or understanding, which can be the case with (my example) Hepatitis A virus, the insurance should not have a problem reimbursing. Again, thanks of lot for the information and I appreciate your help, this is nothing against you or what you have written, rather just seeking clarification for my better understanding. You definitely provide a greater service by helping people like me with these questions. But some how I have come to believe that this whole insurance thing does not serve the purpose. For older people, one can very well assume one or the other condition like diabetes, bp or heart disease, which ofcourse they do not cover. They should charge more premium if that is needed, but provide "insurance", and not just extort money and turn away when called. 1. I am not saying it would not be covered. As I said before, it is impossible for anyone to tell in advance whether something is going to be definitely covered. It is all decided when the claim is submitted and the adjuster has all the information in front of her/him including but not limited to the treatment, test results, exam notes, attending physician report and medical records. Everything else would be just hypothetical discussion and we can continue to discuss it forever. However, unfortunately, I don't have any more precise answer for you. 2. There is no insurance plan from any company anywhere that would cover pre-existing conditions for visitors to USA. There is no other choice or better option. It is simply not economical for any insurance company to cover pre-existing conditions. No matter what premium they charge, they will always end up paying more money than they collect. Insurance is for future protection. And they will generally cover any new medical conditions, sicknesses, injuries or accidents that may occur after the effective date of the policy.

Protection America provides coverage anywhere outside home country. Therefore, if the home country is India, it provides coverage anywhere outside India, including USA and Canada. When you go to the doctor, you should tell that you have 'First Health PPO insurance'. Please read /international-medical-ppo-network/

With Protection America the maximum benefit is for lifetime of insurance policy. Visit USA the maximum benefit is per incident. Protection America is renewable and the deductible is an annual deductible, so you only need to satisfy it once for 12 months of continuous coverage. Visit USA is nonrenewable, if the trip gets prolong you will have to purchase a new insurance policy, pay deductible again. If a condition occured in previous policy, it will be considered a pre-existing condition in the new policy, so it's more beneficial to have a renewable plan. /patriot-america-lite/visitor-insurance/ /visit-usa-insurance/ Thanks & Regards, Mindy

Yes, Protection America is an enhanced version of Patriot America. To find the minor differences between those 3 plans, please visit https://www.insubuy.com, enter your details and you will see prices from various companies. Select the plans you like to compare and you can compare them side by side to see the differences. Those are all the differences I would be able to tell you as well. 1. Protection America can be purchased for as little as 5 days and renewed for as little as 5 days. ($5 renewal fee) Atlas America can be purchased for as little as 7 days and renewed for as little as 1 day. ($5 renewal fee) This feature is available when purchased exclusively through us. (Otherwise, min. 3 months initially and monthly after that.) Patriot America is not renewable. 2. Passport Protection Plus is the official name of the plan. It has got 2 plans: Protection America: For non-US citizens traveling outside home country Prtoection International: For US citizens traveling outside US. In other words, Protection America and Protection International are collectively called 'Passport Protection Plus'. Please look at official PDF brochure /patriot-america-plus/visitor-insurance/ and you will understand. For convenience, we have split that brochure into 2 separate brochures. One is Protection America at /patriot-america-lite-insurance/ and /patriot-international-lite/medical-insurance-for-travel/ 3. That is specified by the insurance company itself and we have no control over it, or the language it is written in. Most times, it is done much faster. But insurance company has to officially write some duration just in case there is an unexpected delay. Many times, pre-certification is done right over the phone instantly. And so far, I have not heard any complains regarding this. 4. It will cover any terrorism incidents from other than those mentioned. like 9-11, for example. 5. Included. 6. Deductible: /visitor-health-insurance/#deductible Coinsurance: /visitor-health-insurance/#coinsurance You have to first pay the deductible before insurance company starts paying anything at all. Then you have to pay 20% for first $5,000 in eligible medical expenses, insurance company pay 80%. After that, insurance company pays 100% up to selected policy maximum. Deductible and coinsurance are annual no matter how many times you renew Protection America or Atlas America. This is true for all 3 plans that you are inquiring about: Protection America, Atlas America, Patriot America. (True about several other comprehensive plans that we sell as well.) 7. read /visitor-health-insurance/#benefitperiod 8. They are NOT from us. They are directly from respective insurance companies. Most of the companies selling visitor medical insurance plans operate on a very similar rules and regulations and therefore the information they need to collect is quite similar. 9. I am not creating a problem here. Just trying to help expedite the process. This is based on my several visits to the claims department of insurance companies and extensive discussions. Visitor medical insurance and regular domestic insurance for US citizens/residents work on a different set of rules and therefore visitor medical insurance companies need to get their own form filled out. If you don't send one in, they will send you one before paying the claim. For US citizens/residents, lot of medical history is available from various sources such as MIB (Medical Information Bureau), previous insurance companies, previous doctors/hospitals, but for visitors, in most cases, no such information is available and the company needs to start everything from scratch. I don't see much difficulty in sending in this form earlier. Please let us know if you have any other questions. I appreciate you answering all questions in one go. I think I'm now deciding between Protection America, and Atlas America. Any recommendations on which one to choose? As for deductibles are they per person or per total policy purchased (I need to buy for my father and mother both). I noticed that when I searched with $100, the premium increased by ~ $165 total against what the premium was for $250. So that means if I lowered my deductible by $150, I paid $165 more upfront! That does seems a bit strange. However if the deductible is combined for two persons for whom I'm purchasing it, then it does makes sense. Please advise which one is a correct understanding here. What deductible you recommend buying with? Also can the premiums be paid in installments, or is it necessary to pay in one go? One additional question here. I understand that after purchase I can print a temporary card instantly. After the purchase, can the card also be retreived online by my parents in India and be printed from there as well? 1. The major difference is in the network. Look at /international-medical-ppo-network/ and /travel-and-student-insurance-ppo-network/ Choose whichever network you are more comfortable, if you are searching for your specific doctor (family doctor etc.) and then decide based on that. Overall, they are both excellent plans with very minor differences (Already answered your query about differences). 2. Deductible is per person. Deductible is annual. 3. $250 is most common. 4. Yes, you can do that. In short term plans, buying and paying is one and same thing. If you buy for 4 months, you pay for 4 months now. Alternatively, if you buy for 1 month, you pay for 1 month now, and then renew the insurance later, before it expires. 5. You get the virtual id card in the email. You (or your parents) can print the id cards from there. You can forward them that email. Alternatively, you can print at /international-medical-id-card/ or /travel-and-student-insurance-id-card/ Please let us know if you have any other questions. Clarification regarding 'Precertification timings'. I clarified it with the insurance company and it was a typo. It is '48 hours' and NOT '48 business hours'. That would be corrected in next brochure version. I received following reply "We really appreciate you bringing this to our attention. We respond to precert requests within 48 hours (not business hours) and for emergency evacuations, we respond immediately. Our next brochure updates will include this clarification."

If she does not already have ITIN, you won't be able to get it until you file next year's tax returns, which will be January 2006 at the earliest. We have several insurance plans for people in this situation that don't have ITIN number and several companies won't provide insurance. Please call us at 1-866-INSU-BUY and we would guide and help you choose the right insurance plan. hi friends,.. The ITIN can be used for anything that a SSN is required for except employment, which is the real purpose for an SSN. (An employer can't pay your Social Security payroll taxes if you don't have a SS account to pay them into.) To avoid any confusion with the uninformed, you don't have to tell people the number you're providing is an ITIN rather than a SSN. They won't be able to tell the difference and their use of the number is for internal purposes only, no connection with the SSA. The only place I can think of where you would have to switch to using your SSN once it's obtained is on your income tax returns. i hope this info will helps you guys,...